Innovis is definately a recognized credit bureau, but is not relied upon by many creditors or lendors. They are, however, still a player with the big three.
For example, the credit reporting guidelines used by all of the credit reporting agencies ("credit reporting manual") were deleloped by a joint team consisting of representatives from Equifax, Experian, TransUnion, and Innovis. These guidelines are published by their contractor, the Consumer Data Industry Assoc as the "Credit Reporting Resouces Guide" (c) CDIA. They were a participant in the develpment of the rules for credit reporting that each creditor must abide by when reporting to any of the CRAs,
I am not even sure that Innovis has a contract with Fair Isaac to even produce FICO scores based on their credit files. I have never seen or heard of an Innovis-based FICO score, which could be a major reason why lendors dont use them. I am not sure. I wouldnt worry much about Innovis, but they are legit.
As you are aware, you are entitled under the FCRA to at least one free credit report annually from each credit bureau. Knowing the potential burden of this legislation, the big three jointly established an internet site, annualcreditreport.com, to handle these requests. Innovis did not partipate in this effort. So they must individually respond to each request for your annual credit report. Innovis is required by law to provide this free annual credit report, so just write to them, and request it. They cannot refuse.
